Paying Your Bills On Time
You've heard it before. "You always have to pay your bills on time or it will hurt your credit rating". The fact is that not paying your bills on time can also cost you a bunch of money. The last time I checked being late on a credit card payment can cost you as much as $29 each time. In some ... more...

Seven Ways to Consolidate Your Debt
When it comes to debt consolidation the first thing you want to do is consolidate your debt, but the first thing you should consider are all of your options. There are in fact more options and help out there than you imagined and just because you are in debt does not mean the situation is hopeless ... more...

3 Mistakes to Absolutely Avoid in a 1031/TIC Exchange
We've all made bad decisions in the past. Don't you just hate to hear "I told you so" from your friends and family? Or, maybe you catch yourself saying "If only I'd have...?"Personally, I'm one of those people who prefers to learn from someone else's mistakes. If you're at all like me, and you ... more...

How to Buy Your Own Home
Buying Your First HomeBuying Your Own Home isn't nearly as complicated as some folks make it out to be. Your first step should probably be to contact a Mortgage Broker (check out the on-line Mortgage Companies on my Site -- they're a great way to quickly find out how much you qualify for, and they ... more...

Business or Hobby...What Would the IRS Call YOUR Business?
One thing we know for sure direct sellers start their businesses for a wide variety of reasons. Some want to build a dynasty, some want the tax benefits, some do it to buy and share a product they believe in, while others are simply looking for a way to have fun and make a little money on the side ... more...

How To Create An Organized Filing System
Introduction The test of a good filing system is being able to find something when you need it, regardless of how you choose to organize it. However, there are two basic approaches to setting up a filing system: Establish categories for like items by subject (e.g., Hobbies) Establish an index ... more...

Offset Mortgages: A Dream for Well Off Homeowners
Offset mortgages represent one of the biggest mortgage innovations seen in recent years. Six years ago there was hardly an offset mortgage to be seen. Now they and the current account mortgage, to which they are closely related, account for 10 out of every 100 of new lending.Whats more, one of the ... more...

Real Estate Bubble: Fact or Fiction?
The real estate market buzz across the country these days revolves around the anticipated and much feared bubble. The implication is that once burst, prices will spiral downward taking with them the major assets of those foolish enough to buy at a time when disaster looms large. It could happen ... more...

What Is A FHA Loan?
Most of us need to borrow some money at least at one point of time in our life. When we want to buy a car, to study at the College or University, when we want to buy a house or home, when we need money to start our own business - even when we use our credit cards.There are many types of loans and ... more...

I Want to Buy a Home - Now What?
If you were to ask 100 women "What would you like to achieve financially?" Buying a home or apartment is usually one of the answers. Some women think that they can never own a home - which is not true! In fact, there are so many success stories of home buyers who never thought they would get there. ... more...

I Can't Pay My Loan - Student Guidelines for Recovery
You graduated and now your student loan is due. The job hasnt come through yet, or you are just in over your head. What can you do about that student loan?Before you enter the default stage, relax and review your options. Realize that you arent alone. Unfortunately, since so many former ... more...

MORAL ARMOR'S Economic Warning for Americans
For years weve suffered under recession, prompting us to ask, When will it end? My answer is, Its only the beginning.Historically, recessions are the result of high interest rates, pushed up as the result of loose money policies. Recovery comes when citizens begin to spend more wisely, save money ... more...

7 Big Reasons To Invest In Pre-Foreclosures
Looking for an "in" to real estate investing?Working a nine to five job swapping time for money can be incredibly dispiriting. After the futility of it all hits home, it's all you can do to limit the number of home business opportunities you investigate to twenty per week.One of the more compelling ... more...

Credit Help for Real Estate Financing: Five Categories of Your Credit Score
1. Payment History -- 35%The number of accounts paid as agreed and a good payment history give you a higher score.Negative points lower credit scores because of 30 days, 60 days, and 90 days late on any debt. The dollar amount of these delinquencies also impacts credit scores. Severity of ... more...

Even With Credit Problems... You Can Get A Loan Within 30 Days, If You're Willing To Work At It
A wise friend once told me that *extraordinary people* are just *ordinary people* who do extraordinary things.It's the same way with loans. People that get loans after being turned down are not extraordinary people, they are ordinary people who do extraordinary things to get their loan.Here's an ... more...